Congressman Honda's Small Business Resource Guide

Small
Business
Resource Guide
U.S. REPRESENTATIVE MIKE HONDA

Californias 17th Congressional District
March 2016
T h e O f f i c e o f C o n g r e s s m a n M i k e H o n d a

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Table of Contents
Introduction ............................................................................................................................................................................ 4
Congressman Honda Services for Small Businesses .............................................................................................................. 5
Letters of Support from Congressman Honda .................................................................................................................... 5
Grant Letter Request Form ................................................................................................................................................. 6
Casework ............................................................................................................................................................................. 7
Small Business Resources .................................................................................................................................................... 8
Federal Support ...................................................................................................................................................................... 9
Small Business Loans ........................................................................................................................................................... 9
1)
7(a) Loan Program ................................................................................................................................................... 9
2)
CDC/504 Loan ........................................................................................................................................................ 10
3)
Disaster Loan ......................................................................................................................................................... 10
4)
Export Express Loans ............................................................................................................................................. 11
5)
Export Transaction Financing ................................................................................................................................ 11
6)
International Trade Loans ..................................................................................................................................... 12
7)
Military Reservists Loan ........................................................................................................................................ 12
8)
Patriot Express & Pilot Programs .......................................................................................................................... 13
9)
Microloans ............................................................................................................................................................. 13
Technical Support and Development Programs................................................................................................................ 15

1)
Silicon Valley BusinessSource Centers .................................................................................................................. 15
2)
Small Business Development Centers (SBDCS) ..................................................................................................... 16
3)
Womens Business Centers ................................................................................................................................... 16
4)
Department of Defense Procurement Technical Assistance Program (PTAP) ...................................................... 16
5)
Silicon Valley Service Corps of Retired Executives (SCORE) .................................................................................. 17
Capital Access Programs .................................................................................................................................................... 18

1)
Small Business Administration Programs .............................................................................................................. 18
Tax Incentives .................................................................................................................................................................... 20

1)
Alternative Minimum Tax Exemption ................................................................................................................... 20
2)
Amortization of Business Start-Up Costs .............................................................................................................. 21
3)
Net Operating Losses............................................................................................................................................. 21
4)
Partial Exclusion of Capital Gains on Certain Small Business Stock ...................................................................... 21
5) Losses on Small Business Investment Company Stock Treated as Ordinary Losses without Limitation .............. 22
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S m a l l B u s i n e s s R e s o u r c e G u i d e
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Rollover of Gains into Specialized Small Business Stock ....................................................................................... 22
7)
Uniform Capitalization of Inventory Costs ............................................................................................................ 23
8)
Simplified Dollar-Value LIFO Accounting Method for Small Firms ........................................................................ 23
9)
Tax Credit for Pension Plan Star-Up Costs of Small Firms ..................................................................................... 23
10)
Tax Credit for Cost of Making a Business More Accessible to the Disabled ..................................................... 24
Grant Programs ................................................................................................................................................................. 25

Small Business Administration .......................................................................................................................................... 25
1)
Small Business Innovation Research Awards (SBIR) .............................................................................................. 25
2)
Small Business Technology Transfer (STTR) Awards ............................................................................................. 26
United States Department of Transportation ................................................................................................................... 27

1)
Procurement Assistance Division .......................................................................................................................... 27
Local Funding Opportunities. ............................................................................................................................................... 30

California Small Business Loans ......................................................................................................................................... 30
1)
California Industrial Development Financing Advisory Commission (CIDFAC) Programs ..................................... 30
2)
Industrial Development Revenue Bond (IDB) Program ........................................................................................ 31
3)
Recycling Market Development Zone (RMDZ) Revolving Loan Program .............................................................. 32
4)
Replacement of Underground Storage Tank (RUST) Program Loans ................................................................. 33
5)
California Capital Access Program (CalCAP) .......................................................................................................... 34
6)
Small Business Loan Guarantee Program .............................................................................................................. 34
7)
Small Business Pollution Control Tax-Exempt Bond Financing Program .............................................................. 35
California Technical Support and Development Programs for Small Business ................................................................. 37
1)
California Get Your Business Online ...................................................................................................................... 37
2)
Business Matchmaking .......................................................................................................................................... 37
3)
Silicon Valley Service Core of Retired Executives (SCORE) .................................................................................... 38
4)
Disabled Veteran Business Enterprise (DVBE) and Small Business (SB) Certification Programs .......................... 38
5)
Disadvantaged Business Programs ........................................................................................................................ 39
California Small Business Tax Incentives ........................................................................................................................... 41

1)
Enterprise Zone Program ...................................................................................................................................... 41
2)
Local Agency Military Base Recovery Area (LAMBRA) .......................................................................................... 43
3)
Other Tax Incentives .............................................................................................................................................. 44
California Small Business Grants ....................................................................................................................................... 45

1)
Innovative Clean Air Technologies (ICAT) Program............................................................................................... 45
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2) Electric Program Investment Charge (EPIC) .......................................................................................................... 45
3) The Buy California Initiative .................................................................................................................................. 46
4)
Tire Grant Program ................................................................................................................................................ 47
5)
Replacement of Underground Storage Tanks (RUST) Program Grants .............................................................. 48
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Introduction

Dear Friend,

Small businesses are the engine of our economy thats why Im proud to support small businesses as your
Member of Congress. As the Lead Democratic Member of the Commerce, Justice, Science Appropriations Subcommittee,
Im working to boost support for the Department of Commerces work to create the conditions for economic growth and
opportunity.

Hitting the ground running on the first week of this Congress, I introduced four bills designed to help start-up and
small businesses create jobs as they work to further expand Silicon Valleys innovation economy. Companies on the brink
of breakthroughs that will improve the lives of millions of people need assistance to stay in business until they can begin
turning a profit on their innovations. The jobs these businesses create will help reduce the income inequality that is hurting
our overall economy.

Additionally, my job is to serve you as a liaison with the federal government often to lesser known resources. My
offices in Santa Clara, CA and Washington, D.C. are both available to assist you, whether it's following up on a pending
visa application, resolving difficulties with shipments in customs, inquiring about federal loans or regulations, or
providing a letter of support when you are seeking a federal grant. My staff can connect you with federal resources and
agencies that assist small businesses and entrepreneurs on a range of issues, including business regulations, financing,
government contracting, export assistance, and overseas investment opportunities.

Case in point: My staff helped Mark, a CA17 resident, after the IRS erroneously levied a $34,000 tax against his
closed company. We worked with the IRS for four months until his entire penalty was abated. We also helped Maria, a
lawful permanent resident, when her sons were still petitioning to become lawful permanent residents. My staff inquired
and Marias sons immediately received employment authorization and were able to start work. You can continue to count
on my services and commitment to legislation to support the entrepreneurial spirit and dynamic economy of Silicon Valley.

For more information on how I can help your business,
please visit http://honda.house.gov/services/business-assistance

Sincerely,

Mike Honda
U.S. House of Representatives

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Congressman Honda Services for Small Businesses

Letters of Support from Congressman Honda

While Congressman Honda does NOT decide which organizations are awarded grants or other federal funding, there
are instances in which it is appropriate for the Congressman to write a letter of support for an application. If you wish
to request a letter of support for your application, you must supply Congressman Honda with the following:
1.
2.
3.
4.
A description of your organization,

A summary of the application,
A description of what the money will be used for, and
A draft letter of support
Please send this information via the form on page 6 (Grant Letter Request Form) to Honda.district@mail.house.gov
or by mail to either our district office or our office located in Washington, DC:

Washington, DC Office
1713 Longworth House Office Building
Washington, DC 20515
Phone: 202-225-2631
Fax: (202) 225-2699

District Office
900 Lafayette Street, Suite 206
Santa Clara, CA 95050
Phone: (408) 436-2720
Fax: (408) 436-2721

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GRANT LETTER REQUEST FORM
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Requests will be reviewed within two business days.

If approved, grant support letters are typically available within 5 business days
You MUST provide a draft grant support letter at the time of the request.

Grant Applicant Information
Organization/Agency:
Contact Person/Title:
Address:

Telephone:

Fax:

Email:

Grantor Information
Organization/Agency:
Contact Person/Title:
Address:

Telephone:

Fax:

Email:

Grant Information
Title of Grant:

Title of Project/Program:

Amount Requested:

Brief Description of Project/Program:

Target Community (Who will be served?):

Mailing Instructions
Send letter to: Grantor
Grantee
Method:
US Mail
Fax
Email (scanned) Pickup Other

Address (if different than above):

Grant Application Deadline:

Grant Letter Receipt Deadline:

Additional Information

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Casework

If you have encountered a problem involving a federal government agency or federally subsidized benefit that you have
not been able to successfully resolve, Congressman Hondas staff of constituent liaisons may be able to assist you in the
following areas:

Employment Issues: including assistance with disability benefits, employer-provided health care plans and COBRA,
Family Medical Leave Act (FMLA) benefits, pensions, unemployment benefits, Federal and State Workers Compensation
claims and retirement-related issues.

Consumer Affairs: including assistance obtaining a home loan modification under the Making Home Affordable Program,
insurance claims, dissatisfaction with consumer products or services, environmental regulations and concerns regarding
air quality, water or land contamination.

Immigration Issues: including issues with visitor visas, family and employment based visas, lawful permanent resident
status, naturalization, international adoptions, detention, passports, customs and border issues and assistance to
American Citizens in crisis abroad.

Veteran Issues: including issues with VA pension and disability benefits, education benefits, veteran burial or funeral
issues and issues regarding the VA medical centers.

IRS Issues: including connecting constituents with the Taxpayer Advocate Service to address federal tax issues including
lost or delayed tax refunds, penalty abatements, payment installation plans, tax credits, referrals to IRS Low Income Tax
Clinics and paper tax forms.

Military Issues: including issues pertaining to the Department of Defense, Army, Navy, Marine Corps, Air Force, Coast
Guard, Reserves and California National Guard, as well as obtaining military records, medals and academy nominations.

Health Care Issues: including issues with Medicare and Medicaid, health insurance, insurance providers, nursing homes,
hospitals, and prescription drugs.

Social Security: including issues with Supplemental Security Income, Social Security Disability, survivors benefits, and
retirement benefits.

Social Services: including issues with food stamps, HEAP (low-income heating program), FEMA and disaster relief, and
issues related to federally subsidized housing.

Please visit the Services section of www.honda.house.gov or call (408) 436-2720 for further information. Please
note that if you are seeking assistance with a case that involves a lawsuit or litigation, House Rules prohibit the Office
of Congressman Honda from giving legal advice or intervening in the proceeding.

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Small Business Resources

1. For Small Business resources specific to California, including information on starting or expanding business, please
visit: http://business.ca.gov/Programs/SmallBusiness.aspx

2. For more information on federal small business loans, please visit: https://www.sba.gov/content/what-sbaoffers-help-small-businesses-grow
3. For veterans looking for business assistance, please visit the Veterans Business Outreach Center at:
http://www.vbocix.org/

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Federal Support
Small Business Loans

1) 7(a) Loan Program
The 7(a) Loan Program is SBAs primary program to help start-up and existing small businesses obtain
financing when they might not be eligible for business loans through normal lending channels. The name
comes from section 7(a) of the Small Business Act, which authorizes SBA to provide business loans to
American small businesses. SBA itself does not make loans, but rather guarantees a portion of loans made
and administered by commercial lending institutions.

Additional Information:
7(a) loans are the most basic and most commonly used type of loans. They are also the most flexible, since
financing can be guaranteed for a variety of general business proposals, including working capital,
machinery and equipment, furniture and fixtures, land and building (including purchase, renovation and new
construction), leasehold improvements, and debt refinancing (under special conditions).
All 7(a) loans are provided by lenders who are called participants because they participate with SBA in the
7(a) program. Not all lenders choose to participate, but most American banks do. There are also some non-
bank lenders who participate with SBA in the 7(a) program, which expands the availability of lenders making
loans under SBA guidelines.

Eligibility:
The eligibility requirements are designed to be as broad as possible in order for this lending program to
accommodate the most diverse variety of small business financing needs. All businesses that are considered
for financing under SBAs 7(a) loan program must: meet SBA size standards, be for-profit, not already have
the internal resources (business or personal) to provide the financing and be able to demonstrate
repayment.
Eligibility factors for all 7(a) loans include: size, type of business, use of proceeds and the availability of funds
from other sources.

Contact Information:
For more information, please visit: https://www.sba.gov/loans-grants/see-what-sba-offers/sba-loanprograms/7a-loan-program

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2) CDC/504 Loan
The CDC/504 Loan program is a long-term financing tool for economic development within a community.
The 504 Program provides growing businesses with long-term, fixed-rate financing for major fixed assets,
such as land and buildings. A Certified Development Company (CDC) is a nonprofit corporation set up to
contribute to the economic development of its community. CDCs work with the SBA and private-sector
lenders to provide financing to small businesses. There are about 270 CDCs nationwide, with each covering a
specific geographic area.

Proceeds from 504 loans must be used for fixed asset projects such as: purchasing land and improvements,
including existing buildings, grading, street improvements, utilities, parking lots and landscaping;
construction of new facilities, or modernizing, renovating or converting existing facilities; or purchasing long-
term machinery and equipment. The 504 Program cannot be used for working capital or inventory,
consolidating or repaying debt, or refinancing.
Interest rates on 504 loans are pegged to an increment above the current market rate for five-year and 10-
year U.S. Treasury issues. Maturities of 10 and 20 years are available. Fees total approximately three (3)
percent of the debenture and may be financed with the loan.

Eligibility:
To be eligible, the business must be operated for profit and fall within the size standards set by the SBA.
Under the 504 Program, the business qualifies as small if it does not have a tangible net worth in excess of
$7.5 million and does not have an average net income in excess of $2.5 million after taxes for the preceding
two years. Loans cannot be made to businesses engaged in speculation or investment in rental real estate.

For more information, please visit: https://www.sba.gov/loans-grants/see-what-sba-offers/sba-loanprograms/cdc-504
Telephone: (800) 827-5722

3) Disaster Loan
If you are in a declared disaster area and are the victim of a disaster, you may be eligible for financial
assistance from the U.S. Small Business Administration (SBA)- even if you don't own a business. As a
homeowner, renter and/or personal-property owner, you may apply to the SBA for a loan to help you
recover from a disaster.
Personal Property Loan: This loan can provide a homeowner or renter with up to $40,000 to help repair or
replace personal property, such as clothing, furniture, automobiles, etc., lost in the disaster. As a rule of
thumb, personal property is anything that is not considered real estate or a part of the actual structure. This
loan may not be used to replace extraordinarily expensive or irreplaceable items, such as antiques,
collections, pleasure boats, recreational vehicles, fur coats, etc.
Real Property Loan: A homeowner may apply for a loan of up to $200,000 to repair or restore their primary
home to its pre-disaster condition. The loan may not be used to upgrade the home or make additions to it.
If, however, city or county building codes require structural improvements, the loan may be used to meet
these requirements. Loans may be increased by as much as 20 percent to protect the damaged real property
from possible future disasters of the same kind.


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For more information please visit: https://www.sba.gov/loans-grants/see-what-sba-offers/sba-loanprograms/disaster
Telephone: (800) 827-5722
4) Export Express Loans
The SBA Export Express program provides exporters and lenders a streamlined method to obtain SBA backed
financing for loans and lines of credit up to $250,000. Lenders use their own credit decision process and loan
documentation; exporters get access to their funds faster. The SBA provides an expedited eligibility review
and provides a response in less than 24 hours.

SBA Export Express loans are available to businesses that meet the normal requirements for an SBA business
loan guaranty. Financing is available for manufacturers, wholesalers, export trading companies and service
exporters. Loan applicants must demonstrate that the loan proceeds will enable them to enter a new export
market or expand an existing export market. Applicants must have been in business, though not necessarily
in exporting, for at least 12 months.
The SBA does not establish or subsidize interest rates on loans. Interest rates are negotiated between the
borrower and the lender, but may never exceed SBA interest rate caps. Rates can either be fixed or variable,
and are tied to the prime rate as published in The Wall Street Journal.

San Francisco (Territory: Northern California)
Jeff Deiss
International Trade Finance Manger, Western US
Office of International Trade, SBA

U.S. Small Business Administration
50 Fremont Street, Suite 2450
San Francisco, CA 94105
Tel: 415-744-7730 Fax: 202-292-3534
Email: jeff.deiss@sba.gov

More Information: https://www.sba.gov/content/export-express-loan-program

5) Export Transaction Financing
SBAs Export Working Capital Program (EWCP) loans are targeted for businesses that are able to generate
export sales and need additional working capital to support these sales. SBAs aim for the EWCP program is
to ensure that qualified small business exporters do not lose viable export sales due to a lack of working
capital.

Application is made directly to lenders. Interested businesses are encouraged to contact the SBA staff at a
U.S. Export Assistance Center (USEAC) to discuss whether they are eligible for the EWCP program and
whether it is the appropriate tool to meet their export financing needs. The participating lenders review /
approve the applications and submit the request to the SBA staff at the USEAC location servicing the
exporters geographical territory.

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The maximum EWCP line of credit/loan amount is $2 million. Participating banks receive a 90% SBA guaranty
provided that the total SBA guaranteed portion to the borrower does not exceed $1.5 million. In those
instances where the SBA guaranteed portion reaches the $1.5 million cap, banks can still get a 90% guaranty
thanks to a co-guaranty program between SBA and the Export-Import Bank of the United States (EXIM).
The SBA does not establish or subsidize interest rates on loans. The interest rate can be fixed or variable and
is negotiated between the borrower and the participant lender.
Phone: (800) 827-5722
Email: answerdesk@sba.gov

6) International Trade Loans

The SBA International Trade Loan program is a term loan designed for businesses that plan to start/continue
exporting or those that that have been adversely affected by competition from imports. The proceeds of the
Loan must enable the borrower to be in a better position to compete.

Eligible Businesses
Small businesses that are in a position to expand existing export markets/develop new export markets or
small businesses that have been adversely affected by international trade and can demonstrate that the
Loan proceeds will improve their competitive position are eligible for International Trade Loans
Loan Amount
The maximum gross amount ($2 million) and SBA-guaranteed amount ($1.5 million) for an International
Trade Loan is the same as a regular 7(a) loan. However, there is an exception to the maximum SBA 7(a)
guaranty amount to one borrower. When there is an International Trade loan and a separate working capital
loan, the maximum SBA guaranty on the combined loans can be up to $1.75 million as long as the SBA
guaranty on the working capital loan does not exceed $1,250,000.
Interest Rate
The SBA does not establish or subsidize interest rates on loans. Interest rates are negotiated between the
borrower and the lender, subject to SBA caps. Rates can either be fixed or variable, and are tied to the prime
rate as published in The Wall Street Journal. For loans greater than $50,000 and maturity in excess of 7
years, lenders may charge up to 2.75 percent over prime rate.

For more information, please visit: https://www.sba.gov/content/international-trade-loan
Phone: (800) 827-5722

7) Military Reservists Loan
The purpose of the Military Reservist Economic Injury Disaster Loan program (MREIDL) is to provide funds to
an eligible small business to meet its ordinary and necessary operating expenses that it could have met, but
is unable to meet, because an essential employee was "called-up" to active duty in their role as a military
reservist.
These loans are intended only to provide the amount of working capital needed by a small business to pay
its necessary obligations as they mature until operations return to normal after the essential employee is
released from active military duty. The purpose of these loans is not to cover lost income or lost profits.
MREIDL funds cannot be used to take the place of regular commercial debt, to refinance long-term debt or
to expand the business.
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Federal law requires SBA to determine whether credit in an amount needed to accomplish full recovery is
available from non-government sources without creating an undue financial hardship to the applicant. The
law calls this credit available elsewhere. Generally, SBA determines that over 90% of disaster loan applicants
do not have sufficient financial resources to recover without the assistance of the Federal government.
Because the Military Reservist economic injury loans are taxpayer subsidized, Congress intended that
applicants with the financial capacity to fund their own recovery should do so and therefore are not eligible
for MREIDL assistance.

The law authorizes loan terms up to a maximum of 30 years. SBA determines the term of each loan in
accordance with the borrower's ability to repay. Based on the financial circumstances of each borrower, SBA
determines an appropriate installment payment amount, which in turn determines the actual term.
Loan Amount Limit - $2,000,000: The actual amount of each loan, up to this maximum, is limited to the
actual economic injury as calculated by SBA, not compensated by business interruption insurance or
otherwise, and beyond the ability of the business and/or its owners to provide. If a business is a major
source of employment, SBA has authority to waive the $2,000,000 statutory limit.

Phone: (800)827-5722
Email: answerdesk@sba.gov
More Information: https://www.sba.gov/content/military-reservists-economic-injury-loans

8) SBA Express Program

The SBAExpress loan is offered by SBAs network of participating lenders nationwide and features their
fastest turnaround time for loan approvalsabout 36 hours. Loans are available up to $350,000 and
qualify for SBAs maximum guaranty of up to 50 percent for loans of $150,000 or less.

The SBA and its resource partners are focusing additional efforts on counseling and training to augment this
loan initiative.

Eligible Applicants:
Loans made under this program generally follow SBAs standards for the 7(a) Loan Program

More Information: https://www.sba.gov/content/sba-express

9) Microloans
The Microloan Program provides small, short-term loans to start-up, newly established, or growing small
business concerns. Under this program, SBA makes funds available to nonprofit community-based lenders
(intermediaries) which, in turn, make loans to eligible borrowers in amounts up to a maximum of $50,000.
The average loan size is about $13,000. Applications are submitted to the local intermediary and all credit
decisions are made on the local level.
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The maximum term allowed for a microloan is six years. However, loan terms vary according to the size of
the loan, the planned use of funds, the requirements of the intermediary lender, and the needs of the small
business borrower.
More Information: https://www.sba.gov/offices/headquarters/ofa/resources/11432
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Technical Support and Development Programs

1) Small Business Development Centers (SBDC)
SBDCs provide free or low-cost assistance to small businesses using programs customized to local
conditions. The SBDC also focuses on projects that advance the job development, investment and economic
growth priorities of California, with an emphasis on manufacturers, exporters and technology-oriented
firms.

SBDCs support small business in marketing and business strategy, finance, technology transfer, government
contracting, management, manufacturing, engineering, sales, accounting, exporting, and other topics. SBDCs
are funded by grants from the SBA and matching funds. There are more than 1,100 SBDCs with at least one
in every state and territory.

Silicon Valley SBDC at Enterprise Foundation
480 North 1st Street, Suite 210
San Jose, CA
Telephone: (408) 248-4800
Fax: (408) 385-9156
Website: http://svsbdc.org

SBA Telephone: (800) 732-7232
More Information: https://www.sba.gov/tools/local-assistance/sbdc

Alameda County SBDC at Offices of OBDC

2101 Webster Street, Suite 1200
Oakland, CA 94612
Telephone: (510) 208-0410
Website: http://acsbdc.org/

SBDC Hispanic Satellite at Enterprise Foundation
480 North 1st Street, Suite 210
San Jose, CA
Telephone: (408) 248-4800
Fax: (408) 385-9156
Website: http://sbdchc.org/

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2) SBA Womens Business Centers

The SBA Womens Business Center (WBC) is dedicated to training and assisting women in business or those who
want to startup a business. This Center provides a variety of business skills and ongoing technical assistance to
women in thirty-four counties. WBCs are similar to Small Business Development Centers, except they concentrate
on assisting women entrepreneurs. Programs include micro enterprise development and asset building, financial
literacy, loans and credit, one-on-one technical assistance, and Business Action Circles.

AnewAmerica
210 N 4th Street, Suite 205
San Jose, CA 95112
Phone: 408-326-2669
Fax: 408-645-5972
Janet Garcia
Administrative Assistant
Phone: 408-326-2669
jgarcia@anewamerica.org

3) Department of Defense Procurement Technical Assistance Program (PTAP)

Procurement Technical Assistance Centers are a local resource, available at no or nominal cost, that can
provide assistance to businesses in marketing products and services to the Federal, state and local
governments.

California CFDC PTAC
1792 Tribute Road, Suite 270
Sacramento, CA 95815
Telephone: 916-442-1729
Website:
http://www.cacapital.org/

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4) Service Corps of Retired Executives (SCORE)
The Service Corps of Retired Executives (SCORE) uses over 11,000 volunteers to bring practical experience to
start-up small business and to those thinking about starting a new small business. SCORE provides
mentoring and workshops.
Silicon Valley SCORE
234 East Gish Road, Suite 100
San Jose, CA 95112
Telephone: (408) 453-6237
More Information: http://www.svscore.org/
5) Minority Business Development Agency
San Jose MBDA Business Center is a federally funded project by The U.S. Department of Commerces
Minority Business Development Agency (MBDA), and ASIAN, Inc. of San Francisco.
The San Jose MBDA Business Center is an entrepreneurially-focused program; Their primary objective is to
assist the integration and participation of the minority-owned business community in the nations economic
growth. Understanding that this is a task that requires synergies beyond the efforts of a single organization,
we have established a private/public, multi-industry-sector network of buyers, suppliers and service
providers that results in a holistic, added value business service to our partners and clients.
San Jose MBDA Business Center
3031 Tischway, Suite 80
San Jose, CA 95128
Telephone: (408) 998-8058
More Information: http://www.mbda.gov/businesscenters/sanjose
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Capital Access Programs

1) Small Business Administration Programs

Small Business Investment Companies (SBICs)
SBICs are privately owned companies that are licensed by the SBA to provide debt and equity capital to
small businesses. They can obtain loans from the SBA to supplement their own capital.

For the SBIC program, a small business is a business with net worth of $18 million or less and an average
after-tax income for the two preceding years of $6 million or less. There are alternative size standards in
some industries. The SBIC sells a debenture to the SBA, which guarantees repayment and creates a pool of
these debentures for resale on the secondary market. SBICs can borrow three times their private capital, up
to a maximum of $113 million.

New Market Venture Capital
New Market Venture Capital is a program that encourages equity investments in small businesses in low-
income areas that meet specific statistical criteria established by regulation. A tax credit is available on a
competitive basis.

Bay Area
o Alpine Investors IV SBIC, LP
Contact: Tara Genstil
Two Embarcadero Center,
Suite 2320
Telephone: (415) 392-9100
Fax: (415) 392-9101
Email: backoffice@alpine-investors.com
Website: http://www.alpine-investors.com

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o Champlain Capital Partners II, L.P.
Contact: Dennis M. Leary
One Post Street
Suite 925
Phone: (415) 228-4181
Fax: (415) 362-3211
Email: dleary@champlaincapital.com
Website: http://www.champlaincapital.com
o Hercules Technology II, L.P.
Contact: Andrew Olson
400 Hamilton Avenue,
Suite 310
Palo Alto, CA 94301
Phone: (650) 289-3072
Fax: (650) 473-9194
Email: aolson@htgc.com
Website: www.htgc.com
o Norwest Strategic Capital, L.P.
Promod Haque
525 University Avenue, Suite 800
Palo Alto, CA 94301
Phone: (850)321-8000
Email: promod.haque@nvp.com
Website: http://www.nvp.com
o Tregaron Opportunity Fund I, L.P.
Contact: Todd Collins
300 Hamilton Avenue, 4th Floor
Palo Alto, CA 94301
Phone: (650)403-2084
Fax: (650)618-2550
Email: collins@tregaroncapital.com
Website: http://www.tregaroncapital.com
o Rembrandt Venture Partners II, L.P.
Contact: Gerald S. Casilil
600 Montogomery Street
44th Floor
San Francisco, CA 94111-2819
Phone: (650)326-7070
Email: jcasilil@rembrandtvc.com
Website: http://www.rembrandtvc.com

Washington, DC
o Telephone: (202) 205-6510 E-mail: askSBIC@sba.gov
Website: https://www.sba.gov/content/sbic-directory
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Tax Incentives

Disclaimer: The information provided is not offered as legal or tax advice. Examples of tax benefits are based on the stated
IRS Guidelines and on other assumptions which may not apply to your personal situation. You should seek the advice of
your tax advisor, attorney, and/or financial planner. All material is presented solely as educational information.
1) Alternative Minimum Tax Exemption
As a result of the Taxpayer Relief Act of 1997 (P.L. 105-34), certain small corporations have been exempt
from the AMT since 1998. If a corporation loses its eligibility, it becomes subject to the AMT in the first tax
year when it no longer qualifies for the exemption and in every tax year thereafter, regardless of the
amount of its gross receipts.

There is reason to believe that this exemption gives some eligible small corporations what amounts to a
slight competitive advantage over comparable firms paying the AMT. A 1997 study estimated that firms that
invested heavily in machinery and equipment and intangible assets like research and development (R&D),
financed the bulk of their investments through debt, and paid the AMT for five or more successive years had
a higher cost of capital than comparable firms that paid the regular income tax only in the same period.
The exemption also provides owners of small firms with an incentive to incorporate, since the taxable
income of pass through entities is subject to the individual AMT through the tax returns filed by individual
owners.

Eligibility:
Eligibility is determined by a corporations average annual gross receipts in the previous three tax years. All
corporations formed after 1998 are exempt from the AMT in their first year with taxable income, regardless
of the size of their gross receipts.
They remain exempt as long as their average annual gross receipts do not exceed $5 million in their first
three tax years, and as long as their average annual gross receipts do not exceed $7.5 million in each
succeeding three-year period (e.g., 1999-2001, 2000-2002, etc.).

More information: http://www.irs.gov/taxtopics/tc556.html

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2) Amortization of Business Start-Up Costs
Under IRC Section 195 (as amended by P.L. 108-357), business taxpayers who incur business start-up and
organizational costs after October 22, 2004, are allowed to deduct up to $5,000 of those costs in the year
when the new trade or business begins. This maximum deduction is reduced (but not below zero) by the
amount by which eligible expenditures exceed $50,000.

Business taxpayers who incurred or paid business start-up and organizational costs and then entered a trade
or business on or before October 22, 2004, could amortize (or deduct in equal annual amounts) those
expenditures over not less than five years, beginning in the month when the new trade or business
commenced.
To qualify for the current deduction, the start-up and organizational costs must meet two requirements.
They must be paid or incurred as part of an investigation into creating or acquiring an active trade or
business, as part of starting a new trade or business, or as part of an activity done to produce income or
profit before starting a trade or business with the aim of converting the activity into an active trade or
business.
Any eligible expenditure that cannot be deducted may be amortized over 15 years, beginning in the month
when the new trade or business begins to earn income. In order to claim the $5,000 deduction, a taxpayer
must have an equity interest in the new trade or business and actively participate in its management.

More information: http://www.irs.gov/publications/p535/ch08.html

3) Net Operating Losses
A firm incurs a net operating loss (NOL) for tax purposes when its deductions exceed its gross income. As a
result, it has no income tax liability in an NOL year. An NOL may be used to obtain a refund of taxes paid in
previous years or to reduce or offset future tax liabilities. Under IRC Section 172(b), a business taxpayer is
permitted to carry an NOL back to each of the two tax years preceding the NOL year and forward to each of
the 20 tax years following that year.
A provision of the American Recovery and Reinvestment Act of 2009 extended the carry back period for
NOLs to five years for eligible firms that incurred an NOL in 2008. Only firms with average annual gross
receipts of $15 million or less in the NOL year and the two previous tax years may take advantage of the
extension. The provision is intended to bolster the cash flow of small firms that have experienced a
significant loss of revenue in the current recession.

For more information, please visit:
https://www.irs.gov/publications/p334/ch09.html

4) Partial Exclusion of Capital Gains on Certain Small Business Stock
Two important considerations in determining an individuals income tax liability are the recognition of
income as ordinary or capital and the distinction between long-term and short-term capital gains or losses.

Under IRC Section 1202, non-corporate taxpayers (including partnerships, LLCs, and S corporations) may
exclude 50% of any gain from the sale or exchange of qualified small business stock (QSBS) that has been

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held for over five years. The exclusion rises to 60% if the QSBS has been issued by a qualified corporation
based in an empowerment zone. And under a provision of the ARRA, it becomes 75% for QSBS acquired
from February 18, 2009, through December 31, 2010, and held for five years.
There is a cumulative limit on the gain from stock issued by a single qualified corporation that may be
excluded: in a single tax year, the gain is limited to the greater of 10 times the taxpayers adjusted basis of
all QSBS issued by the firm and sold or exchanged during the year, or $10 millionreduced by any gains
excluded by the taxpayer in previous years. The remaining gain is taxed at a fixed rate of 28%. As a result,
the marginal effective tax rate on capital gains from the sale or exchange of QSBS held longer than five years
is 14%: 0.5 x 0.28.
For individuals subject to the AMT, a portion of the excluded gain is treated as an individual AMT preference
item, which means that it must be included in the calculation of AMT taxable income. The portion was 42%
for QSBS acquired on or before December 31, 2000 and disposed of by May 6, 2003; 28% for QSBS acquired
after December 31, 2000 and disposed of by May 6, 2003; and 7% for QSBS acquired after May 6, 2003 and
disposed of by December 31, 2008.
To qualify for the partial exclusion, small business stock must satisfy certain requirements. First, it must be
issued after August 10, 1993 and must be acquired by the taxpayer at its original issue, either directly or
through an underwriter, in exchange for money, property, or as compensation for services rendered to the
issuing corporation. Second, the stock must be issued by a domestic corporation whose gross assets do not
exceed $50 million before and immediately after the stock is issued. Third, at least 80% of the corporations
assets must be tied to the active conduct of one or more qualified trades or businesses during substantially
all of the requisite five-year holding period.
5) Losses on Small Business Investment Company Stock Treated as Ordinary Losses

without Limitation
Under IRC Section 1242, individuals who invest in small business investment companies (SBICs) are
permitted to deduct from ordinary income all losses from the sale or exchange or worthlessness of stock in
these companies. This treatment is intended to foster equity investment in these companies by lowering the
after-tax loss on an investment in an SBIC, relative to after-tax losses on similar investments.

SBICs are private regulated investment corporations that are licensed under the Small Business Investment
Act of 1958 to provide equity capital, long-term loans, and managerial guidance to firms with a net worth of
less than $18 million and less than $6 million in average net income over the previous two years.
They use their own capital and funds borrowed at favorable rates through SBA loan guarantees to make
equity and debt investments in qualified firms. For tax purposes, most SBICs are treated as C corporations.
There are no known estimates of the revenue loss associated with this small business tax benefit.

More information: http://www.irs.gov/publications/p550/ch04.html

6) Rollover of Gains into Specialized Small Business Stock
Individual and corporate taxpayers who satisfy certain conditions are allowed to roll over, free of tax, any
capital gains on the sale of publicly traded securities. The proceeds from the sale must be used to purchase
common stock or partnership interests in specialized small business investment companies (SSBICs) licensed
under the Small Business Investment Act of 1958 within 60 days of the sale.
SSBICs are similar to SBICs except that SSBICs are required to invest in small firms owned by individuals who
are considered socially or economically disadvantagedmainly members of minority groups.
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If the proceeds from the sale exceed the cost of the SSBIC stock or partnership interest, the excess is
recognized as a capital gain and taxed accordingly. The taxpayers basis in the SSBIC stock or partnership
interest is reduced by the amount of any gain from the sale of securities that are rolled over.
The maximum gain an individual can roll over in a single tax year is the lesser of $50,000 or $500,000 less
any gains previously rolled over under this provision. For corporations, the maximum deferral in a tax year is
the lesser of $250,000 or $1 million less any previously deferred gains.
7) Uniform Capitalization of Inventory Costs
IRC Section 1244 allows taxpayers to deduct any loss from the sale, exchange, or worthlessness of qualified
small business stock as an ordinary loss, rather than a capital loss. For business taxpayers, ordinary losses
are treated as business losses in computing a net operating loss.
To qualify for this treatment, the stock must meet four requirements. First, it must be issued by a domestic
corporation after November 6, 1978.
Second, the stock must be acquired by an individual investor or a partnership in exchange for money or
other property, but not stock or securities.
Third, the stock must be issued by a small business corporation, which the statute defines as a corporation
whose total amount of money and property received as a contribution to capital and paid-in surplus totals
less than $1 million when it issues the stock.
Finally, during the five tax years before a loss on the stock is recognized, the firm must have derived more
than 50% of its gross receipts from sources other than royalties, rents, dividends, interest, annuities, and
stock or security transactions. The maximum amount that may be deducted as an ordinary loss in a tax year
is $50,000 (or $100,000 for a couple filing jointly).

8) Simplified Dollar-Value LIFO Accounting Method for Small Firms
LIFO operates on the assumption that the most recently acquired goods are sold before all other goods.
Consequently, LIFO assigns the newest unit costs to the cost of goods sold and the oldest unit costs to the
ending inventory. The method can be advantageous when the cost of many inventory items is rising,
because it yields a lower taxable income and inventory valuation than other methods. There are various
ways to apply LIFO. A widely used application is known as the dollar-value method. Under this method, a
taxpayer accounts for its inventories on the basis of a pool of dollars rather than specific items.
IRC Section 474, which was added to the tax code by the Tax Reform Act of 1986, allows eligible small firms
to use a simplified dollar-value LIFO method. It differs from the regular dollar-value method in the way in
which inventory items are pooled and the technique for estimating the base-year value of the pools. A firm
is eligible to use the simplified method if its average annual gross receipts were $5 million or less in the
three previous tax years.

9) Tax Credit for Pension Plan Start-Up Costs of Small Firms
Under IRC Section 45E, qualified small firms may claim a non-refundable tax credit for a portion of the start-
up costs they incur in setting up new retirement plans for employees. The credit, which was enacted as part
of the Economic Growth and Tax Relief Reconciliation Act of 2001, began in 2002 and originally was
scheduled to disappear (or sunset) after 2010. But a provision of the Pension Protection Act of 2006
permanently extended the credit. It is a component of the general business credit and thus subject to its
limitations and rules for carryover.
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The credit is equal to 50% of the first $1,000 in eligible costs incurred in each of the first three years a
qualified pension is operative. Eligible costs are defined as the ordinary and necessary expenses incurred in
administering the plan and informing employees about the plans benefits and requirements. Qualified plans
consist of new defined benefit plans, defined contribution plans, savings incentive match plans for
employees, and simplified employee pension plans.

Eligibility:
The credit gives owners of small firms an incentive to establish pension plans for employees by lowering the
after-tax cost of setting up and administering these plans in their first three years.
Firms with fewer than 100 employees, each of whom received at least $5,000 in compensation in the
previous year, are eligible to claim the credit

10)
Tax Credit for Cost of Making a Business More Accessible to the Disabled
Under IRC Section 44, an eligible small firm may claim a non-refundable credit for expenses it incurs to make
its business more accessible to disabled individuals. The credit is equal to 50% of the amount of eligible
expenditures in a tax year over $250 but not greater than $10,250. In the case of a partnership, this upper
limit applies separately at the partnership level and at the partner or individual level; the same distinction
holds in the case of a subchapter S corporation. The disabled access credit is a component of the general
business credit under IRC Section 38 and thus subject to its limitations.
To qualify for the credit, a firm must satisfy one of two requirements: its gross receipts (less any returns and
allowances) in the previous tax year totaled no more than $1 million, or it employed no more than 30
persons on a full-time basis during that year. A worker is considered a full-time employee if he or she works
at least 30 hours a week for 20 or more weeks in a calendar year.

Eligibility:
Qualified expenses are defined as the amounts an eligible small firm pays or incurs to bring its business into
compliance with the Americans With Disabilities Act of 1990 (ADA). They must be reasonable in amount and
necessary in light of legal requirements. Eligible expenses include those related to removing architectural,
communication, transportation, or physical barriers to making a business accessible to or usable by disabled
individuals; providing interpreters or other effective methods of making materials understandable to
hearing-impaired individuals; and supplying qualified readers, taped texts, and other effective methods of
making materials understandable to visually impaired individuals.

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Grant Programs

Small Business Administration

1) Small Business Innovation Research Awards (SBIR)
SBIR awards are competitive grants to small businesses (500 or fewer employees) to research and develop
new ideas for selected government agencies. Government agencies with the largest research budgets fund
the SBIR program. The SBA coordinates and oversees the SBIR program but does not provide funding for the
awards.

Phase I grants allow a company to determine if an idea has scientific and technical merit and is feasible.
Phase II evaluates the ideas commercial potential.
Phase III is private sector development of the idea.

US SBA Region IX
330 N. Brand Blvd., #1200
Glendale, CA 91203
Telephone: (818) 552-3436
For more information:
https://www.sba.gov/office
s/regional/ix
US SBA Office of Technology
409 Third Street, SW
Telephone: (202) 205-6450
For more information: http://www.sbir.gov/
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2) Small Business Technology Transfer (STTR) Awards
The STTR program is similar to the SBIR program, but it requires the small business to work with a nonprofit
research institute. The SBA coordinates and oversees the STTR program but does not provide funding for the
awards.

Following submission of proposals, agencies make STTR awards based on small business/nonprofit research
institution qualification, degree of innovation, and future market potential. Small businesses that receive
awards then begin a three-phase program.
o Phase I is the startup phase. Awards of up to $100,000 for approximately one year fund the exploration
of the scientific, technical, and commercial feasibility of an idea or technology.
o Phase II awards of up to $750,000, for as long as two years, expand Phase I results. During this period,
the R&D work is performed and the developer begins to consider commercial potential. Only Phase I
award winners are considered for Phase II.
o Phase III is the period during which Phase II innovation moves from the laboratory into the marketplace.
No STTR funds support this phase. The small business must find funding in the private sector or other
non-STTR federal agency funding.

Washington, DC
o US Small Business Administration
Office of Technology
409 Third Street, SW
Telephone: (202) 205-6450
For more information: http://www.sbir.gov/

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United States Department of Transportation

1) Procurement Assistance Division
The Procurement Assistance Division is responsible for working closely with each of the Operating
Administrations' Small Business specialists to ensure that adequate procurement opportunities are made
available to small businesses. Below is a listing of Small Business specialists in each OA whose primary role is
to serve as advocates to small businesses.

Federal Aviation Administration (FAA)
o Fred Dendy
800 Independence Avenue, SW
Room 715
Phone: (202) 267-7454
Email: fred.dendy@faa.gov
Federal Highway Administration (FHWA)
o Frank Waltos
1200 New Jersey Avenue, SE
Phone: (202) 366-4205
Email: frank.waltos@dot.gov
Federal Motor Carrier Safety Administration (FMCSA)
o Nathan Watters
Suite W66-499
Phone: (202) 366-3036
Fax: (202) 385-2335
Email: Nathan.Watters@dot.gov
Federal Railroad Administration (FRA)
o Dana L. Hicks
Contract Specialist
Federal Railroad Administration
Phone: (202) 493-6131
Fax: (202) 493-6171
Email: Dana.hicks@dot.gov
Federal Transit Administration (FTA)
o Robyn Jones
FTA Office of Acquisition Management

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Phone: (202) 366-0943
Email: robyn.jones@dot.gov
Maritime Administration
o Rita C. Thomas
Phone: (202) 366-2802
Email: rita.thomas@dot.gov
National Highway Transportation Safety Administration
o Lloyd S. Blackwell
Phone: (202) 366-9564
Email: lloyd.blackwell@nhtsa.dot.gov
Office of the Secretary (OST)
o Ames Owens
Office of the Secretary
Acquisition Services Division
Phone: (202) 366-9614
Email: ames.owens@dot.gov
Pipeline and Hazardous Materials Safety Administration (PHMSA)
o Jackie Naranjo
Contract Specialist
Office of Acquisition Services, PHA-30
East Building, Second Floor
Phone: (202) 366-4429
Email: jackie.naranjo@dot.gov
Research and Innovative Technology Administration (RITA)
o Phaedra Johnson
Office of the Secretary
Acquisition Services Division
Phone: (202) 366-0742
Email: phaedra.johnson@dot.gov
RITA-VOLPE
o Peter Kontakos
Small Business Specialist
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US DOT/RITA/Volpe Center
Office of Acquisitions, RVP-31
55 Broadway
Cambridge, MA 02142
Phone: (617) 494-2602
Fax: (617) 494-3024
Email: peter.kontakos@dot.gov
Saint Lawrence Seaway Development Corporation (SLSDC)
o Patricia White
Contracting Officer
Chief, Procurement & Supply Division
U.S. Department of Transportation
Saint Lawrence Seaway Development Corporation
PO Box 520
180 Andrews Street
Massena, NY 13662
Phone: (315) 764-3236
Email: patricia.white@dot.gov
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Local Funding Opportunities

California Small Business Loans

1) California Industrial Development Financing Advisory Commission (CIDFAC) Programs
Agency:
California Industrial Development Financing Advisory Commission (CIDFAC), located in the State Treasurers
Office.

Purpose of Program:
The California Industrial Development Financing Advisory Commission (CIDFAC) administers a number of
programs to assist California manufacturing businesses in funding capital expenditures for business
acquisitions or expansions. The programs allow businesses to borrow funds at competitive rates through
the issuance of tax-exempt bonds enhanced by a letter of credit.

Type of Funding:
Capital generated from the issuance of tax-exempt industrial development bonds used to finance capital
expenditures.

Eligibility:
Industrial Development Bonds can be used to finance capital expenditures in agriculture, forestry, or mining.
The bonds finance the expansion or acquisition of facilities and equipment for product assembly, fabrication,
manufacturing, or processing. Businesses that process or manufacture recycled or reused products and
materials may also qualify. Eligibility is governed by a detailed set of criteria pursuant to federal and state
law.

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Deanna Hamelin, Manager
915 Capitol Mall, Room 457
Telephone: (916) 653-3843
Fax: (916) 653-3241
Email: cidfac@treasurer.ca.gov
Website: http://www.treasurer.ca.gov/cidfac/

2) Industrial Development Revenue Bond (IDB) Program

Agency:
IDBs can be issued by the California Infrastructure and Economic Development Bank (I-Bank), by local
Industrial Development Authorities, or by Joint Powers Authorities. The mission of the I-Bank is to finance
public infrastructure and private investments that promote economic growth, revitalize communities, and
enhance the quality of life throughout California. The I-Bank is located within the Business, Transportation,
and Housing Agency. IDBs are tax-exempt securities issued up to $10 million by a governmental entity to
provide money for the acquisition, construction, rehabilitation and equipping of manufacturing and
processing facilities for private companies. IDBs can be issued by the I-Bank, local Industrial Development
Authorities, or by Joint Powers Authorities.

Purpose of Program:
The IDB Program provides tax-exempt financing to qualified manufacturing and processing companies for
the construction or acquisition of facilities and equipment. IDBs allow private companies to borrow at low
interest rates normally reserved for state and local governmental entities.

Type of Funding:
Funds from tax-exempt securities issued by a governmental entity.
Eligibility:
Manufacturing and processing companies are eligible. The project financed by the bonds must be a facility
used for the manufacture, production, or processing of tangible property. At least 95% of the bond proceeds
must be spent on qualifying costs. Qualifying costs are capital expenditures such as land, buildings,
equipment, and other depreciable property, and can also include capitalized interest during construction.
Applications are accepted on a continuous basis. The I-Bank Board of Directors normally meets each month
to consider approval of complete applications received at least 20 working days prior to the meeting date.
For additional information, Contact Information:
o Teveia Barnes, Executive Director
980 9th Street, 9th floor
E-mail: Ruben.Rojas@ibank.ca.gov
Telephone: (916) 539-4408
Fax: (916) 322-6314
http://ibank.ca.gov/

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3) Recycling Market Development Zone (RMDZ) Revolving Loan Program

Agency:
California Integrated Waste Management Board.

Purpose of Program:
The program provides direct loans to eligible businesses and nonprofit organizations within Recycling
Market Development Zones that manufacture recycled raw materials, produce new recycled products, or
reduce the waste resulting from the manufacture of a product. These loans promote market development
for post-consumer and secondary waste materials.

Type of Funding:
The program makes loans to acquire equipment, make leasehold improvements, purchase recycled raw
materials and inventory, or acquire real estate with a maximum value of $500,000.

Eligibility:
Business applicants must be located in one of the designated Recycling Market Development Zones and
divert waste from non-hazardous California landfills. The program will end on July 1, 2011 unless later
enacted by the Legislature.

State RMDZ Office
o Jim LaTanner, Supervisor
RMDZ Loan Program (Mail Stop #11)
P.O. Box 4025
Sacramento, CA 95812-4025
(916) 341-6534
loans@ciwmb.ca.gov
http://www.calrecycle.ca.gov/RMDZ/
Regional Silicon Valley RMDZ Offices:
o Anne Hansen
Environmental
Services Specialist
200 E Santa Clara St
San Jose, CA
Phone: (408) 975-2574
Fax: (408) 292-6211
Email: anne.hansen@sanjoseca.gov
o Steve Lautze
Green Business
Specialist
250 Frank H Ogawa Pl.
Oakland, CA 94612
Phone: (510) 238-4973
Fax: (510) 238-2226

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4) Replacement of Underground Storage Tank (RUST) Program Loans

Agency:
State Water Resources Control Board.

Purpose of Program:
The program helps owners and operators of small independent underground storage tanks comply with
legislative mandates enacted in 1999 (SB 989) to enhance underground tanks and monitoring systems.

Type of Funding:
Typically, loans are provided to facilitate any of the following: plans, permits, drawings; excavation and
removal of tanks, lines, and dispensers; installation of new tanks, lines, dispensers, under-dispenser
containments, electronic monitoring systems, and enhanced vapor recovery systems. Also, funding is
offered to water boards and other regulatory agencies in the event of an emergency situation, or to clean up
a site that poses a health or safety threat.

Eligibility:
Small business owners or operators of underground petroleum storage tanks are eligible. Applicants must
provide evidence that their site(s) will be in state compliance once funds are applied to the project. Other
eligibility can be found in Health & Safety Code section 25299.102.

Janice Clemons
Division of Clean Water Programs
(916) 341-5857

UST Cleanup Fund
P.O. Box 944212
janice.clemons@waterboards.ca.gov
http://www.waterboards.ca.gov/water_issues/programs/ustcf/rust.shtml

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5) California Capital Access Program (CalCAP)

Agency:
California Pollution Control Financing Authority.

Purpose of Program:
This program provides incentives for lenders to make loans to small businesses that may otherwise have
difficulty obtaining financing. This is accomplished through a loss reserve account that provides up to 100%
coverage for the lender on certain loan defaults.

Type of Funding:
The program provides loans with variable rates and terms. The borrower works directly with a CalCAP
lender.

Eligibility:
The borrower's business must be in one of the industries listed in the qualified Standard Industry
Classification codes list. The business is not required to engage in activities that affect the environment.
The borrower's primary business and 50% of its employees, business income, sales, or payroll must be in
California.
The business activity resulting from the bank's loan must be created and retained in California.
The business must be classified as a small business under U.S. Small Business Administration guidelines (Title
13 of the Code of Federal Regulations) or have fewer than 500 employees.

Telephone: (916) 654-5610
Fax: (916) 657-4821
E-mail: SSBCIquestions@treasury.gov
http://www.treasurer.ca.gov/cpcfa/calcap/

6) Small Business Loan Guarantee Program
Agency:
Business, Transportation and Housing Agency. The program is administered through contracts between the
agency and nonprofit financial development corporations located throughout the state.
Purpose of Program:
This program helps businesses become eligible for loans they might not otherwise obtain. It also creates the
opportunity for businesses to establish a favorable credit history for future loan needs.

Type of Funding:
This program provides loans that are to be used primarily in California for any standard business purpose
beneficial to the applicant's business. This may include expansion into new facilities or purchase of new
equipment.

Eligibility:
Applicants must be small businesses as defined by the federal Small Business Administration (SBA), i.e.,
businesses that employ no more than 100 people.

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Chris Houlemard, Manager
Small Business Financial Assistance Program
Telephone: (916) 341-6611
Chris.houlemard@ibank.ca.gov
http://www.ibank.ca.gov/smallbusiness.htm

Or contact one of the following financial development corporations that administer the programs locally.
California Capital Financial Development Corporation

Clarence Williams, President
1792 Tribute Road, Suite 270
Telephone: (916)442-1729
Nor-Cal Financial Development Corporation

Arthur Washington, CEO
300 Frank H. Ogawa Palza
Suite 175
Oakland, CA 94612
Telephone: (510) 452-1171
Fax: (510) 452-4405
7) Small Business Pollution Control Tax-Exempt Bond Financing Program

Agency:
California Pollution Control Financing Authority (CPCFA).

Purpose of Program:
The program provides tax-exempt bond financing to creditworthy small businesses for the acquisition,
construction, or installation of qualified pollution control, waste disposal, and resource recovery facilities in
California.

Type of Funding:
The CPCFA uses its Small Business Assistance Funds (SBAF) to pay for the costs of issuance of tax-exempt
bonds issued on behalf of small businesses. The SBAF also pays for letter of credit fees, transaction fees and
other costs associated with the issuance of bonds. This assistance reduces the net cost of financing to the
small business.

Eligibility:
To be eligible for the SBAF Tax-Exempt Bond Program, a business must be classified as a small business
under U.S. Small Business Administration guidelines (Title 13 of the Code of Federal Regulations) or have
fewer than 500 employees, and be involved in appropriate projects.
Use of funding must comply with federal eligibility guidelines, which indicate that:
o 95% of the proceeds must be used for the defined project
o 2% of bond proceeds can be used for the costs of issuance
o 25% of bond proceeds can be used for land costs in certain cases
o A public hearing (TEFRA) must be held before the bonds are issued
o To acquire an existing building, a minimum of 15% of the bond proceeds must be used to renovate the
building
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The average life of the bond issue cannot exceed 120% of the weighted average of the estimated useful
life of the assets being financed

Sherri Kay Wahl, Deputy Executive Director
Telephone: (916) 654-5610
Fax: (916) 657-4821
Email: CPCFA@treasurer.ca.gov
Website: http://www.treasurer.ca.gov/cidfac/

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California Technical Support and Development Programs

for Small Business
2) California Get Your Business Online

Agency:
California SBDC.
Purpose of Program:
California Get Your Business Online is a Google-led program that provides small businesses the resources
they need to succeed online. Websites are free for California businesses.

Type of Benefits:
This free offer includes a free domain name and hosting for your Homestead website for one year. The free
site includes 3 free pages, 25MG of disk space and 5GB of bandwidth (monthly transfer). Email and
ecommerce are not included. However, you can purchase additional pages, disk space, email addresses,
ecommerce solutions and many other add-ons from Homestead.

Eligibility:
Any business or organization can sign up, however they must be verified by Google. You will need to create
a Google+ Page to utilize tools, like Hangouts and Circles, that help you connect with your customers.

Get started here: http://www.gybo.com/california/get-online

3) Business Matchmaking
Office
Governors Office of Business and Economic Development.

Purpose of Program:
Business Matchmaking provides opportunities for small businesses to secure selling opportunities from
government agencies and major corporations, both at key events and through an online network. Business
Matchmaking continues to be a free initiative for all small business participants.

Type of Benefits:
As a direct result of the alliance between leading corporations with the SBA, SCORE, Small Business
Development Centers and other resource partners, Business Matchmaking has facilitated more than 90,000
appointments between small business sellers and buyers from key government agencies and major
corporations. Several billions of dollars in contracts have been awarded.

All events are free to both participating small businesses and representative buyers. They also include a
highly successful schedule of networking and educational activities. Business Matchmaking, Inc., the
producer of BMM, is a 501c3 non-profit corporation.


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Business Matchmaking, Inc.
13101 W. Washington Blvd., Ste. 131
Los Angeles, CA 90066
Email: information@businessmatchmaking.com
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4) Silicon Valley Service Core of Retired Executives (SCORE)
Agency:
Silicon Valley SCORE uses over 11,000 volunteers to bring practical experience to start-up small business
and to those thinking about starting a new small business. Silicon Valley SCORE provides business
management consulting, small business classes, and business resources.

Purpose of Program:
Silicon Valley SCORE "Counselors to America's Small Business" is a nonprofit association dedicated to
educating entrepreneurs and helping small businesses start, grow, and succeed.
Silicon Valley SCORE is Silicon Valleys best resource for no-cost small business mentoring and business
training. Their consulting services are 100% volunteer led and delivered. There are more than 100 business
training workshops per year to provide a wealth of knowledge for the start-up or growth business owner.

Silicon Valley SCORE
234 East Gish Road, Suite 100
San Jose, CA 95112
Telephone: (408) 453-6237
More Information: http://www.svscore.org/

5) Disabled Veteran Business Enterprise (DVBE) and Small Business (SB) Certification
Programs
Agency:
Department of General Services.

Purpose of Program:
These programs are designed to increase business opportunities for the DVBE and SB communities with the
State of California. The programs are designed to help DVBEs and SBs participate on a more level playing
field by providing certain advantages when competing against other non-DVBEs and non-SBs for state
contracts and purchases.

Type of Benefits:
These programs enhance the likelihood of contracting with State agencies.

Eligibility:
DVBE Program The owner (either sole proprietor or 51% ownership) must meet the criteria of a disabled
veteran, be domiciled in California, and have a 10% disability from serving in the US Army, Air Force, or
Navy. A disabled veteran must manage the business.

SB Program A business must be independently owned and operated, cannot be dominant in its field, and
must have its principal office located in California; plus, its owner(s) must be domiciled in CA. A qualifying
business must have no more than 100 employees, with average gross receipts of $10 million or less over the
prior three years.

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Small Businesses and Resources
Department of General Services
707 3rd Street, 1st Floor, Room 400
West Sacramento, CA 95605
(916) 375.4940
OSDSHelp@dgs.ca.gov
http://www.dgs.ca.gov/pd/programs/osds.aspx
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6) Disadvantaged Business Programs

Agency:
California Department of Transportation (Caltrans).

Purpose of Program:
The program increases the participation level of disadvantaged businesses in all federal contracting
activities.

Qualifying businesses are certified as Disadvantaged Business Enterprises (DBE), Minority Business
Enterprises (MBE), or Women Business Enterprises (WBE).

Type of Benefits:
These programs enhance the likelihood of businesses participating in all federal contracting activities.

Eligibility:
Only small businesses, as defined by the United States Small Business Administration, that are owned and
controlled by one or more socially and economically disadvantaged individuals, can be certified as a DBE.

Definitions
DBE:
At least 51% of the small business in concern is owned by one or more socially and economically
disadvantaged individuals; and the management and daily business operations are controlled by one or
more of the socially and economically disadvantaged individuals who own it.

MBE:
At least 51% of the small business is owned by one or more minorities, or, in the case of a publicly owned
business, at least 51% of all issued stock is owned by one or more minorities; and the management and daily
business operations are controlled by one or more such individuals.

WBE:
At least 51% of the small business is owned by one or more women; and the management and daily
business operations are controlled by one or more of the women who own it.

1823 14th Street
Telephone: (916) 324-0449
Fax: (916) 324-1949
TTY 711
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Angela Shell
Assistant Director
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Email: smallbusinessadvocate@dot.ca.gov
Website: http://www.dot.ca.gov./hq/bep/
Alicia Sequeira
Statewide Small Business Liaison
Email: Alicia_Sequeira@dot.ca.gov
Maria Salinas
Calmentor/Mentor-Protg and Bonding Assistance Coordinator
Maria_Salinas@dot.ca.gov
DBE Certification Assistance
Email: DBE_Certification@dot.ca.gov
Telephone: (916) 324-1700
Toll Free: (866) 810-6346
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California Small Business Tax Incentives

1) Enterprise Zone Program
Agency:
Department of Housing and Community Development.
Purpose of Program:
The program provides special state and local tax and other incentives to businesses, to encourage business
investment and promote the creation of new jobs in economically distressed areas throughout California.

Type of Funding:
The program provides a number of tax incentives to qualifying companies.

Eligibility:
All businesses located in an Enterprise Zone are eligible for program benefits. There are 39 Enterprise Zones
located throughout California. Enterprise Zones last 15 years from their original date of designation (1986-
1997, depending on the zone). A complete listing of Enterprise Zones can be found at the following Web
site: http://www.hcd.ca.gov/fa/ez/.

Main Office Information:
o Phone & FAX:
John Nunn, Jr., Program Manager
Enterprise Zone Program
Telephone: (916) 274-0575
FAX (916) 263-2765
John.Nunn@hcd.ca.gov

Gail Tillman-Mitchell
Administrative Secretary
(916) 274-0575
Gail.Tillman-Mitchell@hcd.ca.gov

Adrienne DiLullo
Program Representative
(916)263-2552
Adrienne.DiLullo@hcd.ca.gov

Lesley James
(916) 263-2670
Lesley.James@hcd.ca.gov

Diana Prado
(916)263-2607
Diana.Prado@hcd.ca.gov

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Mailing Address:
Department of Housing & Community Development
Division of Financial Assistance
ENTERPRISE ZONE PROGRAMS
P.O. Box 952054, MS 650
Street Address:
2020 West El Camino Avenue, Suite 650
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Near CA-17 District:
Richmond
Also accepts applications for San Jose
RichmondWORKS
330 25th Street
Richmond, CA 94804
Contact: Sal Vaca, Director
Phone: (510)307-8006
Fax: (510) 307-8072
svaca@richmondworks.org
www.richmondworks.org

Vouchering, City of Richmond
330 25th Street
Richmond, CA 94804
Primary: Jacqulyn Holley, M.A.
Phone: (510)307-8808
Fax: (510) 307-8072

Oakland
City of Oakland
CEDA Business Development Services
270 Frank Ogawa Plaza
Oakland, CA 94612-2032
Contact: Susana Villarreal
Phone: (510) 238-7794
Fax: (510) 238-2230
svillarreal@oaklandnet.com
EZ Online Vouchering System http://www.CAEZonline.com/oakland

http://www.Oaklandnet.com
http://www.business2oakland.com
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San Francisco
City and County of San Francisco
City Hall, OEWD 1
Dr Carlton B. Goodlett Place
Room 448
(415) 554-6130
enterprise.zone@sfgov.org

Vouchering
http://sfezapp.oewd.org
2) Local Agency Military Base Recovery Area (LAMBRA)

Agency:
Department of Housing and Community Development.

Purpose of Program:
The program encourages economic growth in former military base areas by attracting reinvestment and re-
employing workers. Tax incentives are provided to businesses that utilize space in former military bases.

Type of Funding:
LAMBRA provides a number of tax incentives to qualifying companies, including:
o Sales/Use tax credit for Section 1245(a)(3) property (tangible depreciable personal property)
o Sales/Use tax credit for high technology equipment
o Sales/Use tax credit for aircraft maintenance equipment
o Sales/Use tax credit for aircraft components
o Hiring tax credits for five years
o Business expense deduction
o Net operating loss carryover
o Preference points on state contracts
LAMBRA incentives are similar but not identical to Enterprise Zone incentives.

Eligibility:
Businesses located in a fully designated LAMBRA Zone are eligible for program benefits.

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3) Other Tax Incentives
Agency:
Employment Development Department (EDD).

Type of Incentives
The Governors Office of Business and Economic Development (GO-Biz) was created by Governor Edmund G.
Brown Jr. to serve as Californias single point of contact for economic development and job creation efforts.
GO-Biz offers a range of services to business owners including: attraction, retention and expansion services,
site selection, permit streamlining, clearing of regulatory hurdles, small business assistance, international
trade development, assistance with state government, and much more.

The Governors Office of Business and Economic Development (GO-Biz) includes the following units:
o Business Development (CalBIS)
o Permit Streamlining
o Small Business Assistance
o Encouraging Innovation and Entrepreneurship
o International Affairs and Trade Development
Governor's Office of Business and Economic Development
1400 10th Street, 2nd Floor
(916) 322-0694 / (877) 345-4633
Website: http://business.ca.gov/
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California Small Business Grants

1) Innovative Clean Air Technologies (ICAT) Program
Agency:
California Air Resources Board.
Purpose of Program:
The program provides funding for the demonstration of innovative technologies that reduce air pollution.

Type of Funding:
Funding is in the form of grants.

Eligibility:
ICAT funds businesses and entrepreneurs with technical innovations that will improve emission prevention
or control. Projects must demonstrate their commercial utility in California. ICAT seeks to assist technologies
that help reduce air emissions while promoting new industries and jobs in California, improving industrial
productivity and reducing control costs.

Seong Park
Telephone: (916) 324-9287
Fax: (916) 322-4357
spark@arb.ca.gov

Innovative Clean Air Technologies Program

Research Division
California Air Resources Board
1001 I Street, Suite 540
Sacramento, California 95814
icat@arb.ca.gov
http://www.arb.ca.gov/research/icat/icat.htm

2) Electric Program Investment Charge (EPIC)

Agency:
California Energy Commission.

Purpose of Program:
EPIC is designed to assist the development of non-commercialized new and emerging clean energy
technologies in California, while providing assistance to commercially viable projects. EPIC consists of three
program areas funded at a total of $162 million/year:

o
o
o
Applied research and development ($55 million/year);

Technology demonstration and deployment ($75 million/year), and;
Market facilitation, consisting of market research, regulatory permitting and streamlining, and
workforce development activities ($15 million/year).

Type of Funding:
Most of the funding is in the form of award contracts and/or grants.

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Eligibility:
EPIC solicitations will be open to all public and private entities and individuals interested in electricity related
applied research, technology demonstration and market facilitation. Eligibility for receiving EPIC funding
through the competitive process is based upon the specific screening and scoring criteria set forth in the
solicitation application manual.

Program Eligibility Requirements:

o Applied Research and Development
3-Year Program Area Funding: Up to $158.7 million
Estimated Min./Max. Award per Recipient: $250,000 to $3 million
Match Funding Requirement*: None
Estimated Funding to Match Federal Program Investments: Up to 10% to support federal cost
share opportunities
o Technology Demonstration and Deployment
3-Year Program Area Funding: Up to $129.8 million ($27 million for bioenergy)
Estimated Min./Max. Award per Recipient: $1 million to $5 million ($100,000 to $5 million for
bioenergy projects)
Match Funding Requirement: 20 percent of the requested EPIC funds
Estimated Funding to Match Federal Program Investments: Up to 10% to support federal cost
share opportunities
o Market Facilitation
3-Year Program Area Funding: $43.3 million
Estimated Min./Max. Award per Recipient: $25,000 to $3 million
Match Funding Requirement: None
Estimated Funding to Match Federal Program Investments: None

*Note: In the area of Applied Research and Development, matched funding isnt a requirement, but
proposals that do provide matched funding will typically score higher

Erik Stokes
California Energy Commission
1516 Ninth Street, MS-43
Telephone: (916) 327-1399
Email: Erik.Stokes@energy.ca.gov

Pamela Doughman
California Energy Commission
1516 Ninth Street, MS-45
Telephone: (916) 651-2934
Email: Pamela.Doughman@energy.ca.gov

3) The Buy California Initiative

Agency:
Department of Food and Agriculture.

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T h e O f f i c e o f C o n g r e s s m a n T o n y C r d e n a s
P a g e | 47
Purpose of Program:
The program boosts consumption of California's agricultural commodities and assists and support activities
that promote specialty crop producers.

Type of Funding:
Grants are available in a variety of categories.

Eligibility:
Grants are offered to companies concerned with critical issues associated with program areas such as
research, agricultural education, nutrition, food safety, and pest and disease eradication.

Crystal Myers
Director of Grant Management Program
1220 N St, Suite A-400
Telephone: (916) 657-3231
Fax: (916) 651-7899
Email: Grants@cdfa.ca.gov
Website: http://www.cdfa.ca.gov/mkt/mkt/buyca.html

4) Tire Grant Program
Agency:
Integrated Waste Management Board.

Purpose of Program:
The program promotes the reduction of waste tires going to landfills and eliminates the stockpiling of waste
tires. Grant programs fund the cleanup and abatement of old tires, the recycling of tire materials, and the
education of proper disposal of tires.

Type of Funding:
Grants are provided in specific tire areas, including:
o Local Government Waste Tire Cleanup
o Rubberizes Asphalt Concrete
o Waste Tire Amnesty Day
o Waste Tire Enforcement
o Waste Tire Playground Cover
o Waste Tire Production Commercialization
o Waste Tire Track and Other Recreational Surfacing.
Eligibility:
Eligibility varies, depending on the type of project. Businesses that focus on research, business assistance,
market development, product procurement, amnesty events, and tire pile clean-up may qualify.
47 | P a g e

Calvin Young, Program Supervisor
Telephone: (916) 341-5062 Tollfree: (866) 896-0600
Email: Grants@calrecycle.ca.gov
Website: http://www.calrecycle.ca.gov/tires/grants/
P a g e | 48
5) Replacement of Underground Storage Tank (RUST) Program Grants

Agency:
State Water Resources Control Board.

Purpose of Program:
The program helps owners and operators of small independent underground storage tanks comply with
legislative mandates enacted in 1999 (SB 989) to enhance underground tanks and monitoring systems.

Type of Funding:
Grants are available for between $3,000 and $50,000 to eligible UST owners and/or operators. (Lifetime
maximum limit is $50,000 per applicant.).
This is not a reimbursement program. Work cannot begin until you have an agreement executed by the
State Water Board.

Eligibility:
Grant applicants must be a UST owner and/or operator and meet all of the following requirements:
o The applicant is a small business that employs fewer than 20 full-time and part-time employees, is
independently owned and operated, and is not dominant in its field of operation;
o The grant applicants principal office and its officers must be domiciled in California;
o All of the tanks owned and operated by the grant applicant are subject to compliance with Health and
Safety Code chapter 6.7 and the regulation adopted pursuant to that chapter;
o The facility where the subject tank is located has sold, at retail, less than 900,000 gallons of gasoline
annually for each of the two years preceding the submission of the grant application; (Gallonage is
based upon taxable sales figures provided to the State Board of Equalization [BOE] on the grant
applicants BOE 401 GS including Schedule G.)
o The grant applicant is in compliance with Health and Safety Code sections 41954 and 25290.1, 25290.2,
25291, or subdivisions (d) and (e) of section 25292; (The facility must provide a current UST permit, a
current Permit to Operate, and proof of EVR compliance as evidence of compliance with this
requirement.) and
o The facility where the project tank is located was legally in business retailing gasoline after January 1,
1999. (The facility must be legally operating currently.)

Janice Clemons
Division of Clean Water Programs
(916) 341-5857
P.O. Box 944212
janice.clemons@waterboards.ca.gov
http://www.waterboards.ca.gov/water_issues/programs/ustcf/rust.shtml

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U.S. REPRESENTATIVE MIKE HONDA

7(a) Loan Program ................................................................................................................................................... 9

CDC/504 Loan ........................................................................................................................................................ 10

Disaster Loan ......................................................................................................................................................... 10

Export Express Loans ............................................................................................................................................. 11

Export Transaction Financing ................................................................................................................................ 11

International Trade Loans ..................................................................................................................................... 12

Military Reservists Loan ........................................................................................................................................ 12

Patriot Express & Pilot Programs .......................................................................................................................... 13

Technical Support and Development Programs................................................................................................................ 15

Silicon Valley BusinessSource Centers .................................................................................................................. 15

Small Business Development Centers (SBDCS) ..................................................................................................... 16

Womens Business Centers ................................................................................................................................... 16

Department of Defense Procurement Technical Assistance Program (PTAP) ...................................................... 16

Silicon Valley Service Corps of Retired Executives (SCORE) .................................................................................. 17

Capital Access Programs .................................................................................................................................................... 18

Small Business Administration Programs .............................................................................................................. 18

Tax Incentives .................................................................................................................................................................... 20

Alternative Minimum Tax Exemption ................................................................................................................... 20

Amortization of Business Start-Up Costs .............................................................................................................. 21

Net Operating Losses............................................................................................................................................. 21

Partial Exclusion of Capital Gains on Certain Small Business Stock ...................................................................... 21

Uniform Capitalization of Inventory Costs ............................................................................................................ 23

Simplified Dollar-Value LIFO Accounting Method for Small Firms ........................................................................ 23

Grant Programs ................................................................................................................................................................. 25

Small Business Innovation Research Awards (SBIR) .............................................................................................. 25

Small Business Technology Transfer (STTR) Awards ............................................................................................. 26

United States Department of Transportation ................................................................................................................... 27

Procurement Assistance Division .......................................................................................................................... 27

Local Funding Opportunities. ............................................................................................................................................... 30

California Industrial Development Financing Advisory Commission (CIDFAC) Programs ..................................... 30

Industrial Development Revenue Bond (IDB) Program ........................................................................................ 31

Recycling Market Development Zone (RMDZ) Revolving Loan Program .............................................................. 32

Replacement of Underground Storage Tank (RUST) Program Loans ................................................................. 33

California Capital Access Program (CalCAP) .......................................................................................................... 34

Small Business Loan Guarantee Program .............................................................................................................. 34

Small Business Pollution Control Tax-Exempt Bond Financing Program .............................................................. 35

California Get Your Business Online ...................................................................................................................... 37

Business Matchmaking .......................................................................................................................................... 37

Silicon Valley Service Core of Retired Executives (SCORE) .................................................................................... 38

Disadvantaged Business Programs ........................................................................................................................ 39

California Small Business Tax Incentives ........................................................................................................................... 41

Enterprise Zone Program ...................................................................................................................................... 41

Local Agency Military Base Recovery Area (LAMBRA) .......................................................................................... 43

Other Tax Incentives .............................................................................................................................................. 44

California Small Business Grants ....................................................................................................................................... 45

Innovative Clean Air Technologies (ICAT) Program............................................................................................... 45

Tire Grant Program ................................................................................................................................................ 47

Replacement of Underground Storage Tanks (RUST) Program Grants .............................................................. 48

Congressman Honda Services for Small Businesses

Letters of Support from Congressman Honda

A description of your organization,

Requests will be reviewed within two business days.

Small Business Resources

Small Business Loans

1) 7(a) Loan Program

4) Export Express Loans

More Information: https://www.sba.gov/content/export-express-loan-program

5) Export Transaction Financing

6) International Trade Loans

7) Military Reservists Loan

8) SBA Express Program

Technical Support and Development Programs

Congressman Honda's Small Business Resource Guide

Congressman Honda's Small Business Resource Guide